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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,688 | $98,776-24.4% | $149,745-50.1% | $79,856-6.5% |
| Participation rate | 67.6% | 75.8%-8.1pp | 82.5%-14.8pp | 69.6%-2.0pp |
| Annual return | 21.28% | 27.38%-6.1pp | 276.72%-255.4pp | 31.71%-10.4pp |
| Employer contribution / active EE | $1,491 | $3,217-53.7% | $4,646-67.9% | $2,471-39.7% |
| Participant deferral / active EE | $5,136 | $5,681-9.6% | $6,843-25.0% | $3,741+37.3% |
| Admin fee / account holder | $1,214 | $6,053-79.9% | $9,312-87.0% | $5,306-77.1% |